Home and auto insurance can save you from costly
repairs and liability in the case of damage
to your home or your car. Both essentially cover
damages to you and your property, however a
large portion of auto insurance covers third
party damage and injuries in the form of liability
coverage. In the case of auto insurance, most
states make mandatory at least minimum coverage.

How much coverage you need, cost and what your
level of exposure might be are among the concerns
governing selection of these type of insurances.

.An auto insurance policy is actually a package
of different coverages. Coverage can include
liability insurance; collision coverage; comprehensive
coverage; medical, PIP and no-fault; uninsured
motorists and certain add on features. Most
states require you to purchase a minimum amount
of certain kinds of coverage. But if you're
interested in protecting yourself from a lawsuit
or from wicked repair bills, then it makes sense
to buy more than what's required.

Auto Insurance What Is Auto Insurance?

An auto insurance policy is a contract between
you and an insurance company. You pay a premium.
In exchange, the insurance company promises
to pay for specific car-related financial losses
that you may have during the term of the agreement

Auto Insurance Do You Need It?

Auto insurance is a legal requirement
in most states. State laws typically say that
as a driver, you either must have insurance, or
be able to provide evidence that you have the
financial resources to pay a judgment against
you, if you are responsible for causing damage
or injury to another person/property. An insurance
policy is the easiest way to document that you
can pay damages if you must. You also need auto
insurance to protect yourself financially. If
you or anyone for whom you're responsible seriously
injures another person, you can be held liable
for the injured person's medical expenses, rehabilitative
therapy, and long term nursing care, as well as
for his or her lost earnings.

Auto Insurance Who Is Covered?

Your policy covers you, your spouse, and other
family members who live in your household and
are entitled to drive one of your vehicles

Auto Insurance
What Is Covered?

Where you live - Where you live and drive your
car has a significant impact on the cost of your
insurance. This is because the frequency of things
like vandalism and car theft, and the cost of
things like car repairs and medical bills, vary
enormously from one region to another.
The make and model of your car - The cost of insurance
depends a great deal on what type of car you drive,
too. (It can be helpful to bear this in mind when
choosing a car, especially if you're on a tight
budget.)
Your driving record - Your insurance rates will
be affected by any tickets you've received and
violations of which you've been convicted over
the past several years.
Your age - Statistically, younger drivers get
in more accidents and tend to get more tickets

Car Insurance Carriers - Which Car Insurance
Company is right for you?
There are dozens of car insurance companies
out there who would love to have your business,
and although coverage amounts, limits, and other
benefits may be similar between the various
car insurance carriers in your area, it pays
to shop around. Independent Studies have shown
that the average consumer may be able to save
nearly $500 every 6 months by shopping for the
best rate before purchasing a car insurance
policy.
In addition to the monetary benefits of shopping
for the best car insurance rate, it is important
to understand the car insurance carriers history
of customer satisfaction with claims payment,
financial stability, and online capabilities
(if this is important to you).
Information about some of the top car insurance
companies in the industry (below) has been aggregated
for your assistance. Use this information to
help select a car insurance company.